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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $309,193 | $92,798+233.2% | $96,707+219.7% | $137,256+125.3% |
| Participation rate | 33.3% | 81.6%-48.3pp | 80.4%-47.0pp | 80.0%-46.6pp |
| Annual return | 15.80% | 31.24%-15.4pp | 34.78%-19.0pp | 220.34%-204.5pp |
| Employer contribution / active EE | $2,248 | $4,147-45.8% | $4,191-46.4% | $4,156-45.9% |
| Participant deferral / active EE | $10,333 | $5,877+75.8% | $5,997+72.3% | $6,407+61.3% |
| Admin fee / account holder | $20 | $7,946-99.7% | $7,503-99.7% | $12,270-99.8% |